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[深圳] 你们有交个人养老金吗

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虽然可以作为个税扣除，但是要经过大几十年才可以取出，中间不确定性太大，而且算上资金的时间成本。

直觉上抵税的收益率似乎还不如自己拿钱去做一点定存投资

以上都比较直觉，有没有量化计算过，超过多少收入，缴纳个人养老金的收益率情况呀

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